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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,693 | $81,233-73.3% | $155,567-86.1% | $80,874-73.2% |
| Participation rate | 35.7% | 66.2%-30.5pp | 78.2%-42.5pp | 67.6%-31.9pp |
| Annual return | 9.49% | 33.33%-23.8pp | 64.74%-55.3pp | 35.62%-26.1pp |
| Employer contribution / active EE | $267 | $3,101-91.4% | $4,674-94.3% | $2,756-90.3% |
| Participant deferral / active EE | $2,288 | $3,452-33.7% | $5,628-59.3% | $4,297-46.7% |
| Admin fee / account holder | $2,359 | $7,998-70.5% | $15,916-85.2% | $6,935-66.0% |